Terms and Conditions

Last Updated: October 19, 2025

These Terms and Conditions govern your use of Tridham Global Financial Services and apply to all education loans provided by us.

1. Acceptance of Terms

By applying for an education loan or using any of our services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our services.

2. Loan Application and Approval

• All loan applications are subject to verification and credit assessment
• Approval is at the sole discretion of Tridham Global Financial Services
• Pre-approval or sanction letter does not guarantee final disbursement
• Final disbursement requires submission of all required documents and fulfillment of conditions
• We reserve the right to reject any application without providing reasons
• Information provided in the application must be accurate and complete

3. Interest Rates and Charges

• Interest rates are subject to change based on RBI guidelines and market conditions
• The interest rate applicable to your loan will be mentioned in the sanction letter
• Processing fees of 1-2% of loan amount (as specified) will be charged
• Late payment charges will be levied as per the loan agreement
• No hidden charges - all fees are transparently communicated
• Prepayment charges (if any) will be clearly mentioned in loan documents

4. Borrower Responsibilities

• Accurate Information: Provide true, accurate, and complete information in all applications
• Documentation: Submit all required documents within specified timelines
• Updates: Inform us immediately of any changes in contact details, employment, or financial status
• Loan Utilization: Use the loan amount only for stated educational purposes
• Timely Repayment: Repay EMIs on time as per the agreed schedule
• Cooperation: Cooperate with verification processes and provide additional information if requested

5. Repayment Terms

• Moratorium period: Course duration + 6-12 months (as specified in sanction letter)
• EMI repayment begins after moratorium period ends
• Repayment tenure: Up to 15 years as per loan agreement
• EMI due date will be specified in the loan agreement
• Failure to repay may result in legal action and credit score impact
• Part-payment and prepayment options available as per terms

6. Collateral and Security

• Loans up to ₹40 lakhs: No collateral required (subject to credit assessment)
• Loans above ₹40 lakhs: Collateral may be required
• Collateral property must have clear title and be free from encumbrances
• Co-applicant mandatory for all loans
• Personal guarantee of co-applicant required
• We reserve the right to enforce security in case of default

7. Prepayment and Foreclosure

• Prepayment allowed after moratorium period
• Zero prepayment charges for part-payment and full foreclosure
• Prepayment request must be made in writing 15 days in advance
• Interest will be calculated up to the date of prepayment
• NOC (No Objection Certificate) issued after full repayment
• Collateral documents returned after loan closure

8. Default and Consequences

• Loan will be considered in default if EMI is not paid for 90+ days
• Late payment charges and penal interest will be levied
• Default will be reported to credit bureaus (CIBIL, Experian, etc.)
• Legal action may be initiated to recover outstanding dues
• Collateral (if any) may be liquidated to recover dues
• Recovery will be done through RBI-authorized agencies only

9. Dispute Resolution

• Any disputes should first be raised through our Grievance Redressal Mechanism
• Escalation matrix: Customer Service → Grievance Officer → Senior Management → RBI Ombudsman
• We aim to resolve all complaints within 15 working days
• If not satisfied, you can approach RBI Banking Ombudsman after 30 days
• All legal disputes subject to jurisdiction of Mumbai courts

10. Amendments and Governing Law

• We reserve the right to modify these Terms and Conditions at any time
• Changes will be communicated via email, SMS, or website notification
• Continued use of services after changes constitutes acceptance
• These terms are governed by laws of India
• Subject to exclusive jurisdiction of Mumbai courts
• RBI guidelines and regulations supersede these terms where applicable

11. Contact Information

For any questions regarding these Terms and Conditions, please contact:

Email: info@tridhamglobal.com

Phone: +91 88869 23456

Address: H.No 16-112/1, 2nd floor, Plot No 35, Bank Colony, Beeramguda, Beside Icrisat Colony, Ameenpur, Patancheru, Sangareddy (D) 502032

By clicking "I Agree" or "Submit" on any loan application, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.